APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED● APR FROM 5.9%● DECISIONS IN UNDER 4 HOURS● NO ORIGINATION FEES● FCA REGULATED●
B/01 — Business Lending

Capital that keeps up .

Fixed-rate business loans from $5,000 to $100,000 for working capital, equipment, and growth. No warrants, no equity, no personal guarantee surprises.

At a glance
Amount $5k – $100k
Term 1 – 7 years
APR from 5.9%
Decision <24 hrs
Equity given up None
§01 — Common uses

What growing businesses borrow for.

B/01

Working capital

Bridge the gap between invoicing and payment. Cover payroll, supplier bills, and seasonal dips.

B/02

Equipment & machinery

Industrial kit, vehicles, kitchen equipment, medical devices — buy it outright instead of leasing.

B/03

Expansion & new sites

Open a second location, refit a space, or enter a new market without giving up equity.

B/04

Hiring & training

Fund a new team member's first few months, or upskill existing staff without dipping into reserves.

B/05

Marketing & stock

Inventory for a busy season, or a campaign push. Buy in bulk, negotiate better terms.

B/06

Refinancing

Replace an expensive merchant cash advance, overdraft, or legacy facility with a fixed-rate loan.

§02 — Why us

Built for owners, not investors.

01

No equity, ever

You keep 100% of your business. No warrants, no convertible notes, no board seats handed over.

02

Fixed, predictable rate

Your monthly payment is set at drawdown and never moves. Model cash flow with confidence.

03

An underwriter who reads accounts

Real humans who understand P&L, cash flow, and seasonality — not a scorecard that declines on a checkbox.

§03 — Preparation

What you'll need.

You don't need all of this to get a rate — just your details, and the loan amount. But having these ready speeds up underwriting.

  1. 01
    Company details
    Registered name, number, address, and trading address if different.
  2. 02
    Latest accounts or tax return
    Most recent full year. If less than 18 months trading, management accounts are fine.
  3. 03
    6 months of bank statements
    Business account. Helps us assess cash flow and seasonality.
  4. 04
    Director ID & proof of address
    Passport or driving licence, plus a utility bill or bank statement under 3 months old.
  5. 05
    Purpose of the loan
    One paragraph is enough. We just need to know what the capital is for.
Illustration

$50,000 over 5 years, for example.

At 5.9% APR that's $964/month for 60 months. Total repayable $57,840. No balloon, no equity, no early-repayment fee.

§04 — FAQ

Business loan
questions.

Start your application
01 What types of business do you lend to?
We lend to UK-registered limited companies, LLPs, and sole traders with at least 12 months of trading history. That includes retail, hospitality, professional services, trades, e-commerce, and manufacturing.
02 Do I need to give a personal guarantee?
For most loans we ask for a director's personal guarantee — that's standard practice across UK business lending, and it applies to the outstanding balance only. We do not take equity, security over your home, or any ownership stake in your business.
03 How long does approval take?
Straightforward cases are usually decided within 24 working hours. Larger loans or those requiring additional information may take 2–3 business days. Funds typically arrive within one working day of signing.
04 What can the loan be used for?
Almost any legitimate business purpose: working capital, equipment, stock, marketing, hiring, refurbishment, expansion, refinancing existing debt. We don't fund personal expenses, gambling, crypto speculation, or anything illegal.
05 Are there any hidden fees?
No. No arrangement fee, no broker commission, no early-repayment charge, no exit fee. The rate quoted is the rate you pay.
06 Can I repay early?
Anytime, in full or in part, with no penalty. Interest accrues daily on the outstanding balance, so early repayment reduces the total cost.